I am 55 years old. What if I have paid social security for 8 years?

The 55-year-old woman has paid employee social security for 8 years before this. For flexible employees, the social security for employees mentioned by everyone includes the basic old-age insurance for enterprise employees and the basic medical insurance for urban employees. But these are two different kinds of insurance, which should be handled in the social security bureau and the medical insurance bureau respectively. According to the current concept, it should be divided into two categories: social security and medical insurance, and it can no longer be called social security.

Let's start with social security.

Female, 55 years old, has paid the basic old-age insurance for employees for 8 years, and reached the legal retirement age at the age of 55. However, because the payment period of endowment insurance is only 8 years, it is impossible to retire on time. There are generally two ways to deal with those who reach the statutory retirement age and the payment period of old-age insurance is less than 15 years.

First, continue to pay to 15. Take you as an example. Although you have reached the age of 55, you can continue to reach the age of 15, which means that you can retire at the age of 62 according to the provisions of the basic old-age insurance for enterprise employees. Although I have to retire seven years later than the normal retirement age, I think it is still cost-effective.

The second is to transfer the basic old-age insurance for urban and rural residents. Women who have reached the age of 55 and are unwilling to continue to pay to 15 can be transferred to the basic old-age insurance for urban and rural residents in accordance with the provisions of the Social Security Law. After being transferred to the basic old-age insurance for urban and rural residents, the payment period of employee old-age insurance I paid before shall be calculated as the payment period of urban and rural residents' old-age insurance, and the paid employee old-age insurance personal account funds shall be transferred to the urban and rural residents' old-age insurance personal account funds.

This way is actually not cost-effective. The payment period should be calculated cumulatively, but only 8% of the funds are transferred to the individual account of residents' pension insurance, and all the expenses paid by them are not transferred to the individual account, which will cause a loss of 12%, which is very unfavorable. The age at which urban and rural residents receive old-age insurance benefits is 60 for both men and women. In other words, after female flexible employees are transferred to the endowment insurance for urban and rural residents, they will not receive the basic pension until they are 60 years old.

According to the old-age insurance for urban and rural residents, it is also relatively unfavorable to receive basic pensions. The basic pension is fixed, and the personal account pension is not very high. On the whole, compared with the retirement benefits of enterprise employee pension insurance, there is a big gap. Personally, it is more cost-effective to continue to pay, and it is more cost-effective to retire at the age of 62 according to the provisions of employee pension insurance. Although it is more cost-effective two years later than residents have old-age insurance, the pension is at least 10 times higher.

After talking about employee pension insurance, let's answer your second question. Can you continue to pay the basic medical insurance for urban workers after you convert the employee pension insurance into the resident pension insurance?

Of course you can. As we have said above, in the past, employee pension insurance and medical insurance were bundled, but after the separation of social security and medical insurance, this bundling method is no longer implemented. Flexible employees can not pay employee pension insurance, but pay employee medical insurance separately.

Continue to pay medical insurance for employees. If you are sick and hospitalized during the payment period, you can enjoy employee medical insurance and personal account treatment, but the fee paid is several times higher than that of residents' pension insurance. Since the old-age insurance has been transferred to the resident's old-age insurance, it will enjoy the old-age treatment in accordance with the provisions of the resident's old-age insurance in the future.

Even if your employee's medical insurance payment period reaches the minimum payment period stipulated by the local government, it is not retirement according to employee pension insurance. After receiving a pension, you cannot enjoy the retirement benefits of medical insurance. After receiving the pension, you need to continue to pay employee medical insurance to continue to enjoy medical insurance benefits. I don't think this operation method is cost-effective, and I have to pay several times more medical insurance fees every year.

To sum up, 55-year-old women have to pay the basic old-age insurance for employees for 8 years, and also pay the old-age insurance for residents. They need to be 60 years old to receive a pension, but the pension loss is very large. It is suggested to continue to pay employee pension insurance, and it is more cost-effective to retire at the age of 62. It is also allowed to continue to pay employee medical insurance after switching to residents' pension insurance, but it is also very uneconomical because you can't enjoy the retirement benefits of medical insurance.